How to buy travel insurance if you have pre-existing medical conditions?

As people try to budget their money when traveling, they tend not to buy travel insurance. It’s an extra cost that travelers sometimes can’t even use. However, it’s a different case if you have a medical condition.

If you are ill, it is important for your safety while traveling to purchase travel insurance with pre-existing medical conditions. These pre-existing medical conditions include asthma, cancer, COPD, depression, diabetes, high blood pressure, high cholesterol, sleep apnea, and other chronic diseases. Even pregnancies, which are declared before the insurance is taken out, are accepted as a pre-existing medical condition.

What is the importance of travel insurance?

It’s easy to think that your condition will not hinder your travel adventures. But many factors can lead you to seek medical emergencies during your trip, which is something you don’t want to spend money on. Sometimes, like it or not, you may have to go to a hospital for the necessary checkup or medication, and the cost can turn you into a fortune.

But with travel insurance, you can cover the medical expenses incurred during your trip. While it may take some time to find the right insurance, it’s worth it, especially when your condition suddenly crops up.

How are you covered by travel insurance with pre-existing medical conditions?

Fortunately, many insurers offer coverage for pre-existing conditions, so it’s easy to find them. To be covered, you must first review the list of medical conditions that your chosen provider accepts. If you’re lucky, your selected coverage may already include your pre-existing condition and you won’t have to pay any additional fees. Therefore, read the insurance policy carefully.

If possible, go to insurance companies that are known for their travel insurance policies for pre-existing conditions. They can be more expensive, but it’s best to consider them. They may have a policy that best suits your condition and the places you want to visit. If you’re in Canada or Japan, don’t be surprised to pay more expensive travel insurance.

The next thing to do is answer the first questions about your pre-existing medical condition. It’s a requirement, so it’s best to meet it. Sometimes you will be asked to call a medical helpline to answer in-depth questions about your health. It’s a tedious process, but it must be done to ensure that your insurance company can evaluate your needs and provide you with better terms and coverage for your situation.

If your medical condition is not listed, you can choose a policy with higher premiums or go to another insurer that offers a better and cheaper deal.

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The takeaway

For travelers with pre-existing medical conditions, shop around before making the final decision. Go to different insurers and then select the company that offers the best policies and coverage for your health, and of course your budget. If you’re having a hard time deciding, take a look at charities or associations that deal with your illness and which insurance companies they recommend.

You don’t have to decide right away. There are many choices to consider, so take the time to do your searches. Once you’ve found the right one, you’ll avoid spending so much on expensive medical expenses if something goes wrong during your trip.